, AHIP Module Quiz Practice Questions
1. What impact, if any, have recent regulatory changes had on Medigap plans?-
Answer: The Part B deductible is no longer covered for individuals newly eligible for
Medicare starting January 1, 2020.
2. Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from arthritis
through massage therapy. She is concerned about whetheror not Medicare will cover these items
and services. What should you tell her?
Answer: Medicare does not cover massage therapy, or, in general, glasses or dentures.
3. Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease
(ESRD) and will soon begin dialysis. He is wondering if he canobtain coverage under
Medicare. What should you tell him?
Answer: He may sign-up for Medicare at any time however coverage usually begins on the
fourth month afterdialysis treatments start.
4. Ms. Brooks has aggressive cancer and would like to know if Medicare will cover hospice
services in case she needs them. What should you tellher?
Answer: Medicare covers hospice services, and they will be available for her.
5. Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy aswell, but it
provides no drug coverage. She would like to keep the coverage she has but replace her
existing Medigap plan with one that provides drug coverage. What should you tell her?
Answer: Mrs. Gonzalez cannot purchase a Medigapplan that covers drugs, but she could keep
her Medigap policy and enroll in a Part D prescription drug plan.
6. Mrs. Turner is comparing her employer's retiree insurance to Original Medicare and would
like to know which of the following services OriginalMedicare will cover if the appropriate
criteria are met. What could you tellher?
Answer: Original Medicare covers ambulance services.
7. Mrs. Quinn recently turned 66 and decided after many years of work to retireand begin
receiving Social Security benefits. Shortly thereafter Mrs. Quinn received a letter informing
her that she had been automatically enrolled in Medicare Part B. She wants to understand what
this means. What should youtell Mrs. Quinn?
Answer: Part B primarily covers physician services. She will be paying a monthly premium
and, except for many preventive and screening tests, generally will have 20% co-payments for
these services, in addition to an annual deductible.
8. Mr. Xi will soon turn age 65 and has come to you for advice as to what services are
provided under Original Medicare. What should you tell Mr. Xi that best describes the health
coverage provided to Medicare beneficiaries?-
, Answer: Beneficiaries under Original Medicare have no cost-sharing for most preventive
services.
9. Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full
time, and paid taxes during that entire period. She is concerned
that she will not qualify for coverage under part A because she was not born inthe United States.
What should you tell her?
Answer: Most individuals who are citizens and age 65 or over are covered under Part A by
virtue of having paid Medicare taxes while working, though some may be covered as a result
of paying monthly premiums.
10. Mrs. Geisler's neighbor told her she should look at her Part D options during the annual
Medicare enrollment period because the features of Part Dmight have changed. Mrs. Geisler
can't remember what Part D is so she calledyou to ask what her neighbor was talking about.
What could you tell her?
Answer: PartD covers prescription drugs and she should look at her premiums, formulary,
and cost-sharing among other factors to see if they have changed.
11. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income.What couldyou tell Mrs.
Park that might be of assistance?
Answer: She should contact her state Medicaid agency to see if she qualifies for one of
several programs that can help with Medicare costs for which she is responsible.
12. Mr. Alonso receives some help paying for his two generic prescription drugs from his
employer's retiree coverage, but he wants to compare it to a Part D prescription drug plan. He
asks you what costs he would generally expect to encounter when enrolling into a standard
Medicare Part D prescriptiondrug plan.What should you tell him?
Answer: He generally would pay a monthly premium,annual deductible, and per-prescription
cost-sharing.
13. Mr. Patel is in good health and is preparing a budget in anticipation of hisretirement when
he turns 66. He wants to understand the health care costs he might be exposed to under
Medicare if he were to require hospitalization because of an illness. In general terms, what
could you tell him about his costs for inpatient hospital services under Original Medicare?
Answer: Under OriginalMedicare, there is a single deductible amount due for the first 60 days of
any inpatienthospital stay, after which it converts into a per-day coinsurance amount through
day 90. After day 90, he would pay a daily amount up to 60 days over his lifetime, afterwhich
he would be responsible for all costs.
14. Anita Magri will turn age 65 in August 2023. Anita intends to enroll in Original Medicare
Part A and Part B. She would also like to enroll in a MedicareSupplement (Medigap) plan.
Anita's older neighbor Mel has told her about theMedigap Plan F in which he is enrolled. It not
only provides foreign travel emergency benefits but also covers his Medicare Part B
deductible. Anita comes to you for advice. What should you tell her?
Answer: You are sorry to disappointAnita, but a Medigap F plan is no longer available to
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